SCHD vs TEMX
SCHD vs TEMX
Schwab US Dividend Equity ETF vs Touchstone Sands Capital Emerging Markets ex-China Growth ETF
Quick Verdict
SCHD has a lower expense ratio. TEMX delivered stronger 1-year returns. SCHD offers more diversification with 100 holdings.
Side-by-Side Comparison
| Metric | SCHD | TEMX | Winner |
|---|---|---|---|
| Expense Ratio | 0.06% | 0.80% | |
| AUM | $103.7B | $12M | |
| Dividend Yield | 3.31% | 0.84% | |
| Holdings | 104 | 43 | |
| YTD Return | +24.26% | +17.88% | |
| 1Y Return | +31.38% | +31.74% | |
| 3Y Return (annualized) | +15.08% | - | |
| 5Y Return (annualized) | +9.72% | - | |
| Volatility (annualized) | 13.6% | 21.2% | |
| Max Drawdown | -33.4% | -16.8% | |
| Fund Family | Charles Schwab Asset Management | Touchstone Investments | |
| Category | Equity | Equity | |
| Inception | Oct 20, 2011 | Feb 24, 2025 |
SCHD vs TEMX Performance
Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management and Touchstone Sands Capital Emerging Markets ex-China Growth ETF (TEMX) is a ETF from Touchstone Investments. Over the past year SCHD returned +31.38% while TEMX returned +31.74%. Year to date, SCHD is up 24.26% versus a gain of 17.88% for TEMX.
Risk: Volatility and Drawdowns
TEMX has been the more volatile fund, with annualized monthly volatility of 21.2% compared with 13.6% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -16.8% for TEMX. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.14. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SCHD charges 0.06% per year while TEMX charges 0.80%. On a $10,000 position that is $6 vs $80 annually, a gap of $74 per year that compounds over a long holding period. On income, SCHD currently yields 3.31% against 0.84% for TEMX.
Holdings Overlap
SCHD and TEMX share 0 holdings out of 142 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHD or TEMX?
SCHD has an expense ratio of 0.06% while TEMX charges 0.80%. SCHD is the cheaper option. On a $10,000 investment, that is $74 per year of difference.
Which performed better, SCHD or TEMX?
Over the past year SCHD returned +31.38% vs +31.74% for TEMX, so TEMX leads on 1-year performance. Over the longest common window we track (1 years), SCHD annualized +11.39% vs +29.29% for TEMX. Past performance does not guarantee future results.
Which is riskier, SCHD or TEMX?
TEMX has been the more volatile fund at 21.2% annualized versus 13.6% for SCHD. Worst drawdown: SCHD -33.4% vs TEMX -16.8%.
Should I hold both SCHD and TEMX?
SCHD and TEMX have a monthly-return correlation of 0.14, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SCHD and TEMX?
SCHD and TEMX share 0 common holdings with a 0.0% weight overlap. Combined, they hold 142 unique securities.
Which pays a higher dividend, SCHD or TEMX?
SCHD yields 3.31% while TEMX yields 0.84%, so SCHD currently pays the higher dividend yield.
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